2023-05-14 12:30:00
After having a good credit history and having a better income, you may require a credit card that best suits your needs. If part of your lifestyle involves doing bigger expenses and looking for better benefitsa platinum credit card can be the solution,
Platinum cards are more exclusive compared to other plastics offered by banks. This is because they ask for a certain level of fidelity with the institution, that is, time managing accounts within it, as well as income to cover all the expenses that a card of this type represents.
You will ask yourself: Why do I want a credit card that charges a higher annuity and a possibly lower Total Annual Cost (CAT)? The
These are the benefits of platinum cards
- discounts and months without interest in hotels, trips, concerts, among others.
- Money back or “cashback” for certain purchases.
- Credit lines larger than those of other lower-level services.
- Lower interest rates.
- Personal assistance for travel and free airport shuttle.
- Access to international medical services.
- Free services such as streaming platforms or discounts in cinema, pantry, cafes and others.
- Travel insurance, health, car, among others.
While some lower tier cards offer these kinds of benefits, platinum cards have wider coverage.
Requirements to have a platinum card
- Earn more than 30 thousand pesos a month. In some banks the minimum income they ask for is 100 thousand.
- Have Experience with lines of credit of more than 50,000 pesos.
- Some banks even put as maximum age 74 years to have a card of this type.
In Mexico, there are at least 30 types of platinum cards, each with different annuity costs and CAT.
What are the most exclusive platinum cards in Mexico?
According to the Bank of Mexico (Banxico), as of December last year, the most expensive platinum cards in annuity are:
Citibanamex Prestige
They are annuity is 6 thousand 551 pesoswith an average CAT of 32 percent, as well as an interest rate of 25.69 percent.
Among its requirements are income verifiable of 100 thousand pesos per monthand among its benefits is an insurance of up to 1.5 million dollars for the health of the beneficiary and his family.
HSBC Premier World Elite
The card has a annuity of 6 thousand 499 pesos with an average CAT of 36.3 percent. Among its requirements to obtain it, the bank asks for a minimum income of 60,000 pesos per month, as well as a minimum of one year of employment.
Among its benefits, this card gives up to five consecutive days of free airport parking Mexico City International (AICM), as well as 2 points for every dollar you spend worldwide.
Banorte Infinite
According to Banxico, this card has an annuity of 5 thousand 900 pesosas well as an average CAT of 34.4 percent.
The bank asks for a minimum income of 100 thousand pesos per month to access the card, as well as a good record in the Credit Bureau, and among its benefits is its rewards program and insurance for purchases and health.
BBVA Infinite
Has a annuity of 5 thousand 838 pesos and an average CAT of 28.7 percent.
It is an exclusive card, since only works for wealth clients and private banking clients, in addition to asking for a minimum investment of 5 million pesos. Among its benefits, in addition to bonuses, it has a free transfer to the Airport.
Scotia Travel World Elite
They are annuity is 5 thousand 799 pesos with an average CAT of 49.1 percent.
This platinum card asks a minimum income of 100 thousand pesos, as well as having a maximum of 74 years. Among its benefits is its line of credit of 100,000 pesos, as well as insurance for up to half a million dollars in healthcare expenses.
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